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Looking for a checking account that's designed to fit right where you are in life? SimplyYou products recognize the relationship you build with Flagstar. Select from the three different checking accounts.

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We reserve the right to change account benefits at any time without notice. Certain restrictions may apply. See disclosures for more details.

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1Not all devices may be supported. Customer eligibility required. Personal customer checking and savings accounts only. Must be an active personal online banking user. Must be a customer for a minimum of two months. SimplyOne, Next Step, and Next Step 2 account holders are not eligible. Accounts must be in good standing. Mobile check deposit terms & conditions.2This debit card is issued by Flagstar Bank pursuant to a license from Visa U.S.A. Inc.3If you are enrolled in Online Banking, you can activate your reward offers. Health Savings Accounts, HELOCs, and IOLTA accounts are not eligible.4Paper statements are available for a $2 monthly fee for SimplyChecking, Red Wings Checking, or HAIL! Checking accounts.5Get a higher CD rate by maintaining $5,000 or more in combined personal checking, savings, and money market accounts. Excludes promotional rate.6Flagstar $2.50 ATM transaction fee waived when you use another bank's ATM (two times per statement cycle).7Flagstar $2.50 ATM transaction fee waived when you use another bank’s ATM (unlimited).8We’ll refund up to $20 per statement cycle on ATM fees charged by other banks (upon request).9Subject to loan approval. Excludes mortgages.10$100 origination fee.11$75 annual HELOC fee waived if you keep a funded balance in your HELOC of $10,000 or more.12For Plus accounts, if you are 50 or over, once per year, receive a free box of Flagstar custom checks or 50% off other styles. On Max accounts, once per year, receive a free box of Flagstar custom checks or 50% off other styles.13Based on Average Daily Balance. Unlike many other banks, we use Average Daily Balance rather than Minimum Daily Balance to waive monthly service fees on all of our deposit accounts. This means that regardless of how low your balance may fall, you will not incur a service fee as long as your Average Daily Balance for the entire statement cycle meets or exceeds the account requirement.